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The fairer way

to repay!

Borrow up to £5,000 without a guarantor

Borrow up to £10,000 with a guarantor

Get a rate reduction on your loan when you pay on time

Representative 39.9% APR (Variable)

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All personal loans and rate reductions are subject to meeting credit worthiness, affordability and rate reduction criteria.
Apply today

Representative Example: Borrowing £3000 over 36 months with a representative APR of 39.9% (variable), the amount payable would be £134.21 a month, with a total cost of credit of £1831.56 and a total amount payable of £4831.56.

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Rate Drop Finger

Rate Drop™ Technology

Rate Drop is our exclusive loan feature that rewards on-time payments with automatic rate reductions.

Everyone starts with the same fixed APR (no confusing spreads or tiered pricing). Just make 6 consecutive monthly payments on time and your APR will drop automatically, lowering your monthly repayment too.

For loans over 12 months, you can receive two Rate Drops during the loan term. No refinancing, no reapplying, just a fairer way to repay, using our unique Rate Drop Technology.

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Why 1Plus1 Loans?

What you need to know

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Direct lender, not a broker

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Same day payout

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All applicants considered

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Become a guarantor

A guarantor is someone who will make payments on a loan if the borrower fails to pay. If the borrower has not had credit before, they will have no credit history. This means that credit reference agencies will give them a low score, as they have no way of knowing if they will repay the loan or not.

Being a guarantor has risks. If the borrower doesn’t pay, you will have to cover the payments and future repayments until the loan is fully repaid.

Learn more
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Any questions?

Read our helpful FAQs

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We are supported by

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Whatever you need it for, we’ve got you covered.

At 1Plus1 Loans, our personal loans can be used for almost any purpose — from covering unexpected expenses to making big life improvements. Many of our customers choose us for debt consolidation loans, helping them combine multiple repayments into one simple monthly payment. Others use our loans for home improvements, funding everything from new kitchens and bathrooms to essential repairs. Whether you’re planning a special event, managing day-to-day costs, or looking to improve your home, our flexible loans and unique Rate Drop™ feature make borrowing fairer and more affordable.

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What people say?

Independent Service Rating based on 42 verified reviews

Five stars

4.9/5

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Apply now to check your eligibility in just minutes

Warning! Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
Apply today

Representative Example: Borrowing £3000 over 36 months with a representative APR of 39.9% (variable), the amount payable would be £134.21 a month, with a total cost of credit of £1831.56 and a total amount payable of £4831.56.

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